2.954
Revenue$M
5.418
5.413
5.389
5.622
5.624
5.826
5.837
5.955
5.921
5.929
3.168
1.06%
0.90%
9
14.60
Revenue growth%
24.57
23.01
22.01
20.90
23.65
25.29
23.73
26.49
25.41
24.46
18.05
25.29
24.09
67
10.80
NIM%
1.06
2.83
4.61
3.65
3.72
2.96
4.88
3.03
5.90
7.04
12.38
4.88
3.68
41
11.97
Effic. R.%
22.05
21.30
18.45
20.12
17.17
16.16
15.28
13.23
11.71
9.49
24.57
13.23
16.66
52
12.83
Net margin%
12.69
14.33
11.33
13.91
15.90
14.16
11.16
11.11
8.49
6.98
29.70
11.11
12.01
31
28.77
P/E ratio (avg)x
40.80
41.19
42.99
41.86
44.87
46.30
45.61
49.73
48.07
54.04
6.747
48.07
45.24
48
29.75
P/TBVx
57.05
58.07
61.89
68.99
68.60
70.89
77.74
79.58
80.51
79.06
23.09
79.06
69.94
74
13.28
P/Bx
28.85
33.04
33.09
35.20
33.99
32.41
36.21
35.39
34.30
38.24
26.39
35.39
34.15
65
3.281
NII$M
3.427
3.454
3.391
3.622
3.555
3.726
3.715
3.828
3.747
3.796
0.410
1.32%
0.82%
—
5.49
NII grth%
32.27
33.55
31.30
30.58
31.11
31.52
34.22
34.76
37.53
37.30
23.83
34.76
32.91
93
16.42
ROTE%
22.56
22.21
21.69
24.51
21.82
22.94
25.00
27.15
25.78
26.34
29.05
25.78
23.73
37
23.91
Return on equity%
17.67
17.20
14.89
15.24
16.67
15.75
18.19
17.22
18.34
16.64
12.79
17.22
16.94
16
7.37
Return on assets%
27.18
28.10
26.41
27.04
27.49
27.63
30.52
28.69
30.44
32.03
9.04
30.44
27.86
44
0.01
EPS$
0.03
0.03
0.02
0.02
0.03
0.03
0.02
0.02
0.03
0.03
0.01
1.84%
1.19%
—
16.64
EPS growth%
29.84
30.49
32.85
33.85
36.73
38.95
39.54
42.22
43.98
46.69
28.17
42.22
37.84
46
0.03
Bookvalue per sh$
0.03
0.03
0.04
0.04
0.04
0.04
0.05
0.06
0.06
0.06
0.01
8.79%
9.55%
—
0.01
TBV/sh$
0.03
0.02
0.03
0.03
0.03
0.03
0.02
0.02
0.02
0.02
0.04
(4.85%)
(1.56%)
—
0.02
Dividend per sh$
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.04
0.01
3.08%
3.39%
—
27.64
Div yield (avg)%
19.86
17.82
15.95
16.70
14.03
14.57
14.67
16.01
14.55
16.88
9.02
14.67
15.98
25
6.89
Payout ratio%
16.40
17.13
20.03
20.81
21.13
23.38
23.15
21.67
23.04
25.24
19.32
23.15
21.40
93
87.45
Shares (diluted)M
122.6
140.5
134.6
148.1
168.3
185.4
219.4
231.8
232.9
260.3
85.58
9.12%
9.11%
60
3.90
Buyback yield%
8.60
7.66
5.69
5.08
2.54
2.03
0.40
0.40
0.40
0.86
5.86
0.40
2.29
75
155.71
Eq/Assets%
23.96
23.89
24.85
23.21
24.28
26.07
28.87
28.57
30.00
33.18
154.32
28.87
25.46
32
3.063
Assets$M
7.067
7.709
8.536
9.300
10.28
10.88
11.94
12.70
13.74
15.79
4.555
8.97%
9.75%
86
0.501
LT debt$M
0.328
0.358
0.378
0.399
0.441
0.503
0.546
0.583
0.585
0.660
2.218
8.39%
7.20%
70
Total assets
$15.79M
9.75%
2.32×
Revenue
$5.929M
0.90%
1.00×
Non-interest expense
$2.865M
0.87%
1.00×
Net interest income
64.03%
Non-interest income
35.97%
Spread over hurdle
44.85%